Table of Contents
1. Introduction
Welcome to Umhustle ("we", "us", "our"), accessible via umhustle.netlify.app. Umhustle is a digital facilitation platform providing:
- Identity Services: BVN/NIN slip printing and modifications.
- Business Services: CAC Business Registration and TIN Generation.
- Educational Services: JAMB profile codes, result checking, and Exam Tokens (WAEC/NECO/NABTEB).
- Utility Services: Discounted Airtime and Data VTU.
- Gig Economy: Hosting and performing Remote Jobs/Micro-tasks.
Contact: fptbcafe@gmail.com
By creating an account, you agree to these terms. Note: Umhustle is a private facilitation agency and is NOT an official government organ (NIMC, CAC, or FIRS).
2. Wallet and Funding System
Payments: Users can fund their wallet using supported payment methods (e.g., virtual accounts and other supported options).
Balance Accuracy: You agree that the wallet balance displayed in your dashboard (updated after payment confirmation) is final.
No Reversals: Once your wallet is funded through a confirmed payment, it is non-refundable. The balance can only be used to purchase services on the platform.
3. Service-Specific Terms
NIN/BVN & Identity: You warrant that any NIN or BVN provided belongs to you or a consenting client. Using Umhustle to generate or modify fraudulent identity documents is a crime. We cooperate fully with Nigerian Law Enforcement.
Remote Jobs (The Worksheet):
- Submission: Workers must provide proof of work (Text or Screenshot) as requested by the Host.
- Approval: Payment for jobs is subject to Admin or Host approval. "Under Review" status does not guarantee payment.
- Ratings: Low work ratings may result in account suspension from the Remote Jobs section. In cases of duplicate job submissions or false job reports, your account may also be restricted or suspended.
CAC & TIN: Timelines for Business Registration are estimates. We are not liable for delays caused by the Corporate Affairs Commission (CAC) server downtime.
4. Data Privacy & Security
Storage: Your data (Username, Email, Phone, and Password) is securely stored in our protected database system. Passwords are encrypted (hashed) and cannot be viewed in plain text by anyone.
Access: Only authorized system administrators can access necessary account and transaction records strictly for support, verification, and fraud prevention purposes.
Password Security: You are responsible for keeping your password safe. Passwords must be at least 6 characters long and cannot start with a number (0-9).
5. Referral Program
Bonus Eligibility: Referral bonuses are "Pending" until the invited user performs a paid transaction.
Anti-Spam: Creating multiple accounts to refer yourself is "Gaming the System" and will lead to an immediate ban and forfeiture of all wallet balances.
6. Payments and Fees
Pricing: We reserve the right to change prices for Data, Airtime, or Exam Tokens without notice, based on market rates from providers.
Service Fees: A small processing fee may be deducted for identity verifications (NIN/BVN) to cover API costs.
7. Limitation of Liability
Umhustle is not liable for:
- Errors in NIN/BVN modifications if the user provided wrong information.
- Money lost due to sending funds to the wrong Account_Number.
- Network failures from telecommunication providers during Data/Airtime delivery.
8. Governing Law
These Terms are governed by the laws of the Federal Republic of Nigeria.
Last updated: May, 2026